1109 Oak Ave N, Onalaska, WI 54650 Property Records

La Crosse County property record for 1109 Oak Ave N, Onalaska, WI 54650

Property Summary

Property Type	Single Family Home
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Sep 2023)
Tax Bill	$5,435 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Jul 2020 Mortgage + 8 more
Flood Zone	Zone X (minimal risk)
APN	`018-002527-000`

Property Details

APN / Parcel Number

Primary APN	`018-002527-000`
Alternative APNs	`18 2527 0` `42715`

Exterior

Lot Area	9,583 sqft (0.219 acres)

Location & Zoning

Account Number	42715
Old Parcel Number	18 2527 0
Street Address	1109 OAK AVE N
City	ONALASKA
State	WI
Zip	54650-2119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARK RIDGE FIRST ADDITION LOT 10 BLOCK 3
Legal Range	07
Legal Township	17
Legal Section	33
Legal Quarter	SW
Quarter-Quarter Section	SW
Legal Subdivision	PARK RIDGE FIRST ADDITION
Legal Block	3
Legal Lot Number	10
Jurisdiction	LA CROSSE WI
Township / Civil Division	ONALASKA
Census Block Group	1
Census Block	1023
Census Tract	10403

Owner

1109 Oak Ave N is owned and occupied by an individual who bought it in September 2023.

Source: La Crosse County records, as of February 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1109 OAK AVE N, ONALASKA, WI 54650-2119
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage ALTRA FCU
Jul 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF WISCONSIN CU
Dec 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage ALTRA FCU
Aug 18, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage WNB FINANCIAL NA
May 6, 2013	Deed of Trust, Mortgage ALTRA FCU
Jan 13, 2005	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 12, 2023	Warranty Deed, Transfer · Conventional Mortgage AFFINITY PLUS FCU
Jun 15, 2020	Warranty Deed, Transfer · Conventional Mortgage UNIVERSITY OF WESTCONSIN CU
May 24, 2012	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jul 27, 2007	Warranty Deed, Transfer · Stand-Alone Second Mortgage MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2023 · Amount on File
Deed Sale	Sep 12, 2023 · Amount on File
Prior Sale	Jun 15, 2020 · Amount on File
Deed Document Number	1812162
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	1109 OAK AVE N, ONALASKA, WI 54650-2119
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001695694
Date	Jun 28, 2017
Instrument	1695694

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 23, 2047

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	1109 OAK AVE N, ONALASKA, WI 54650-2119
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001749546
Date	Jul 6, 2020
Instrument	1749546

Lender

Name	UNIVERSITY OF WISCONSIN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2050

Interest

Rate Type	Fixed Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	1109 OAK AVE N, ONALASKA, WI 54650-2119
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001720715
Date	Dec 31, 2018
Instrument	1720715

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	72 Months
Due	Jan 15, 2024

Interest

Rate Type	Fixed Rate

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	1109 OAK AVE N, ONALASKA, WI 54650-2119
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001811213
Date	Aug 18, 2023
Instrument	1811213

Lender

Name	WNB FINANCIAL NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 1, 2024

May 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	1109 OAK AVE N, ONALASKA, WI 54650-2119
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001620781
Date	May 6, 2013
Instrument	1620781

Lender

Name	ALTRA FCU
Type	Credit Union
Address	LA CROSSE, WI 54601

Agreement

Amount	Amount on Record
Term	60 Months
Due	May 15, 2018

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA CROSSE WI
Property Address	1109 OAK AVE N, ONALASKA, WI 54650-2119
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001412531
Date	Jan 13, 2005
Instrument	1412531

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50306

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2035
Prepayment Penalty	00 Months

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Sep 12, 2023
Property Address	1109 OAK AVE N, ONALASKA, WI 54650-2119
Document Number	0001812162
Instrument Date	Sep 12, 2023
Instrument	1812162
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	NEW CASTLE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001812163
Date	Sep 12, 2023
Instrument	1812163

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Jun 15, 2020
Property Address	1109 OAK AVE N, ONALASKA, WI 54650-2119
Document Number	0001748108
Instrument Date	Jun 12, 2020
Instrument	1748108
Transaction Type	Transfer
Record Updated	Oct 4, 2023
Title Company	NEW CASTLE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$789.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0001748109
Date	Jun 15, 2020
Instrument	1748109

Lender

Name	UNIVERSITY OF WESTCONSIN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

May 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	May 24, 2012
Property Address	1109 OAK AVE N, ONALASKA, WI 54650-2119
Document Number	0001597474
Instrument Date	May 16, 2012
Instrument	1597474
Transaction Type	Transfer
Record Updated	Oct 4, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5198 JENKINS DR, SOUTH BELOIT, IL 61080-2070

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1109 OAK AVE N, ONALASKA, WI 54650-2119

Mortgage

Document Number	0001597475
Date	May 24, 2012
Instrument	1597475

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2042

July 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA CROSSE WI
Recording Date	Jul 27, 2007
Property Address	1109 OAK AVE N, ONALASKA, WI 54650-2119
Document Number	0001481151
Instrument Date	Jul 19, 2007
Instrument	1481151
Transaction Type	Transfer
Record Updated	Oct 4, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$485.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0001481153
Date	Jul 27, 2007
Instrument	1481153

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 15, 2022

Mortgage

Document Number	0001481152
Date	Jul 27, 2007
Instrument	1481152

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	ONALASKA, WI 54650

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 1109 Oak Ave N was $5,435 with a homeowner's exemption.

Source: La Crosse County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	La Crosse County
Municipality	Onalaska City
Unified School District	Onalaska School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,435.00 Homeowner's exemption	$412,800 Land $67,100 Building $345,700	$417,600
2023	$4,596.00 (+4.24%) Homeowner's exemption	$272,200 (-) Land $47,900 Building $224,300	$272,200 (-) Land $47,900 Building $224,300
2022	$4,409.00 Homeowner's exemption	$272,200 Land $47,900 Building $224,300	$272,200 Land $47,900 Building $224,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1109 Oak Ave N in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 3, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1109 Oak Ave N is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Wisconsin
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ONALASKA WATERWORKS serves 18,000 people · EPA ID WI6320327
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20